18 Holmes St, Spencer, MA 01562 Property Records

Worcester County and Spencer Town property record for 18 Holmes St, Spencer, MA 01562

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,188 sqft · built 1880
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Tax Bill	$4,964 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPEN M:00U04 B:00004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`SPEN M:00U04 B:00004 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	3,779 sqft
Basement Area	1,122 sqft
Unfinished Basement	1,122 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	18 HOLMES ST
City	SPENCER
State	MA
Zip	01562-2359
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	4
Jurisdiction	SPENCER MA
Township / Civil Division	SPENCER
Census Block Group	4
Census Block	4022
Census Tract	726200

Owner

18 Holmes St is owned and occupied by an individual.

Source: Worcester County and Spencer Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	18 HOLMES ST, SPENCER, MA 01562-2359
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Mar 31, 2017	Deed of Trust, Mortgage · Closed-End Mortgage NORTH BROOKFIELD SAVINGSS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	18 HOLMES ST, SPENCER, MA 01562-2359
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64647-264
Date	Mar 10, 2021
Book Page	64647/264
Instrument	33052

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPENCER MA
Property Address	18 HOLMES ST, SPENCER, MA 01562-2359
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56917-256
Date	Mar 31, 2017
Book Page	56917/256
Instrument	32087

Lender

Name	NORTH BROOKFIELD SAVINGSS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 18 Holmes St was $4,964, up 11,444.2% from the year before.

Source: Worcester County and Spencer Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Spencer Town
Unified School District	Spencer-East Brookfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,964.00 (+11,444.19%)	$452,100 (+21.37%) Land $47,600 Building $404,500	$406,542 (+7.28%)
2025	$43.00 (-98.94%)	$372,500 (+4.69%) Land $37,300 Building $335,200	$378,955
2024	$4,070.00 (+5.82%)	$355,800 (+11.57%) Land $37,300 Building $318,500
2023	$3,846.00	$318,900 Land $37,300 Building $281,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Holmes St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 18 Holmes St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER WATER DEPARTMENT serves 7,037 people · EPA ID MA2280000
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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